LifeTime Health Plan
  • Know About the Plan & its Variants
  • Explore the Features & Eligibility
  • Inclusions and Exclusions
ManipalCigna Health Insurance
premium

Network hospitals

8751+

premium

Incurred claim ratio

64.66%

premium

Sum insured

Up to 50 CR

premium

No. of Plans

19

premium

Solvency Ratio

1.5

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Pan India Presence

77

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Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

8751+

premium

Incurred claim ratio

64.66%

premium

Sum insured

Up to 50 CR

premium

No. of Plans

19

premium

Solvency Ratio

1.5

premium

Pan India Presence

77

Recognized By ManipalCignaPolicyX.com is a Recognised ManipalCigna Partner View Certificate

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ManipalCigna Lifetime Health Plan

Manipal Cigna LifeTime Health Insurance is a reliable health plan that prioritizes your healthcare needs and looks after them. ManipalCigna Lifetime Health Plan offers a multitude of comprehensive benefits for domestic and global healthcare expenses. ManipalCigna Lifetime Health plan offers high-sum insured options available in the policy, ranging between Rs. 50 Lakh and Rs. 3 Crore which you can choose as per your requirements each, for coverages in India and abroad. ManipalCigna LIfetime Health offers coverage on an individual as well as family floater basis. The plan offers 2 variants: LifeTime Health India Plan & LifeTime Global Plan.

The plan covers you at every stage of life with benefits such as cover for medical and surgical expenses incurred due to treatment of any disease or injury. ManipalCigna Lifetime Health also offers AYUSH treatment expenses, organ donor expenses, mental care, modern and advanced treatment, HIV/AIDs and STD coverage, etc. ManipalCigna Lifetime Health is an excellent choice to cover yourself and your family members. The policy covers you for 1, 2, or 3 years as per your requirements.

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ManipalCigna Lifetime Health Plan Specifications

Children Entry Age

91 days to 25 Years

Adult Entry Age

Maximum: 65 Years

Plan Type

Individual / Family Floater

Policy Term

1 / 2 / 3 year

Sum Insured (in Rs.)

50 L | 75 L | 1Cr | 1.5 Cr | 2 Cr | 3 Cr

Initial Waiting Period*

30 Days

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Choose your ManipalCigna Lifetime Health Plan

With wide coverage options, Lifetime Health plan lets you customize your health insurance plan as per your requirements:

Coverage for SI: 50L - 3 Cr

In-patient & Out-patient Coverage

Room Rent

Upto SI

ICU Charges

Upto SI

Pre-Hospitalization

Covered up to 60 days

Post-Hospitalization

Covered up to 180 days

Domiciliary Hospitalization

Up to 10% of SI

Daycare Treatment

Covered upto SI

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

Not Available

Automatic Restoration

100% restoration of SI

Daily Hospital Cash

Covered Up to INR 2.5K

Organ Donor

Covered up to SI

Maternity Cover

Not Available

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment

Covered up to SI

IVF Treatment

Not Available

Modern Treatment

Covered up to SI

Emergency Coverage

Ambulance

Covered up to SI

Air Ambulance

Not Available

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Available

Health Check-Up

Available Annually

Second Medical Opinion

Available for 27 listed Major Illnesses

Vaccination

Not Available

Limitations

Co-payment

Not Applicable

Sub-limits

Not Available

What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under ManipalCigna Lifetime Health Plan?

For Global and India Plan Sum Insured 2 Cr - Covered up to any roomexcept for the suite or higher category

For Sum Insured 3 Cr Covered up to any room including suite category.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under ManipalCigna Lifetime Health Plan?

Under this plan, ICU charges coverage is available up to the SI.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under ManipalCigna Lifetime Health Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under ManipalCigna Lifetime Health Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 180 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under ManipalCigna Lifetime Health Plan?

Under Lifetime Health Plan, domiciliary hospitalizations are covered by Up to 10% of the Sum Insured, for expenses incurred in India.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under ManipalCigna Lifetime Health Plan?

This plan covers expenses of all Day Care Treatments, availed in India, covered up to the full Sum Insured.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under ManipalCigna Lifetime Health Plan?

OPD is covered under the plan.

What is COVID-19 Treatment?

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under ManipalCigna Lifetime Health Plan?

COVID-19 treatment cover is unavailable under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan does not cover Cataract Treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan does not offer a No Claim Bonus.

What is Automatic Restoration?

Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan reloads the sum insured amount by 100% for a subsequent and unrelated illness.

What is Daily Hospital Cash?

It is a cash amount that you will get each day during the time of hospitalization.

Coverage status under ManipalCigna Lifetime Health Plan?

Rs. 2,500 under Health+ Optional cover for treatment of a Major Illness

Rs. 2,500 under Health+ Optional cover for Injury due to an accident.

Rs. 25,000 under Global+ Optional cover for treatment of a covered Major Illness, outside India.

What is an Organ Donor Cover?

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under ManipalCigna Lifetime Health Plan?

Under the plan, Organ Donor expenses are covered up to the SI.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under ManipalCigna Lifetime Health Plan?

Not covered

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under ManipalCigna Lifetime Health Plan?

Not covered

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under ManipalCigna Lifetime Health Plan?

AYUSH treatment is covered up to SI.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under ManipalCigna Lifetime Health Plan?

Not Available

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under ManipalCigna Lifetime Health Plan?

Under this plan, Modern treatment is covered up to SI.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under ManipalCigna Lifetime Health Plan?

This plan covers Ambulance charges up to SI.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan covers International Emergency Assistance Services (including Air Ambulance) available up to the full Sum Insured.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under ManipalCigna Lifetime Health Plan?

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under ManipalCigna Lifetime Health Plan?

Hospitalization coverage for major illnesses

Global Pre-Hospitalization expenses covered up to 60 days

Global Post-Hospitalization expenses covered up to 180 days

Global Ambulance cover is available

Global Vaccination covered up to Sum Insured

Advanced and modern treatments are available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan does cover the expenses for E-consultation if the policyholder opts for Health+ optional package.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan offers an Annual Health Check-up benefit from Day 1.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan covers the expenses for Second Medical Opinion for major illnesses if the policyholder opts for the Health+ optional package.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under ManipalCigna Lifetime Health Plan?

The plan covers vaccination up to SI.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under ManipalCigna Lifetime Health Plan?

Co-payment is not applicable.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.

Coverage status under ManipalCigna Lifetime Health Plan?

No sub-limits are available

Other Health Insurance Companies

Lifetime Health Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under Manipal Cigna Lifetime Health plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

Miscarriage, and abortion

AIDS

Congenital disease

Infertility and in vitro fertilization

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Listed ailments after 24 Months

Pre-existing diseases after 24 Months

ManipalCigna Lifetime Health Plan Benefits

Health Returns

Earn rewards by staying fit

Optional Covers

Avail enhanced protection with additional coverage options

Tax Benefits

Get tax relief under section 80D

Discounts

Avail Long-Term Loyalty Discounts

Health Returns

The plan lets the policyholder earn up to 30% of their premium as Health Returns if they follow a healthy lifestyle and stay fit.

Optional Covers

The plan offers several optional covers that allow you to get enhanced coverage and help you to customize your plan as per your needs and requirements.

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Discounts

The plan offers a 5% discount from the 4th policy year to the 7th policy year and a 10% discount from the 8th policy year onwards.

Explore other Manipal Cigna Health Plans

Manipal Cigna Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Individual/Family Plan

This plan is exclusively designed to cater to quality healthcare services like worldwide treatment and maternity conditions.

Unique Features

  • Maternity coverage
  • Newborn expenses coverage
  • Global healthcare coverage

ProHealth Plus (Pros)

  • In-patient hospitalisation
  • 500+ daycare treatment
  • Domiciliary hospitalisation
  • Deductible options
  • Maternity coverage
  • Sum insured restoration
  • Health maintenance benefit

ProHealth Plus (Cons)

  • No online consultations
  • Cataract not covered
  • No room rent with base cover
  • COVID-19 care not covered
  • SI inadequate for family

ProHealth Plus (Other Benefits)

  • Individual & family floater planr
  • Trusted insurance provider
  • Unlimited benefits up to SI
  • Cashless claim settlement
  • AYUSH Treatment cover

ProHealth Plus (Eligibility Criteria)

  • Entry age- 91 days- 18 years (child)
  • Entry age- 18 years - No Limit (Adult)
  • SI - 4.5 - 50 Lakhs
  • Waiting Period - Minimum 30 days

Comprehensive Plan

The plan covers a wide range of in-patient coverage on an individual/family floater basis. Worldwide OPD cover is available.

Unique Features

  • Maternity coverage
  • Newborn expenses coverage
  • Global healthcare coverage

Manipal Cigna Prime Advantage (Pros)

  • In-patient hospitalisation
  • Daycare treatment
  • Domiciliary hospitalisation
  • Sum insured restoration
  • Organ donor expense coverage

Manipal Cigna Prime Advantage (Cons)

  • COVID-19 care not covered
  • Adventure sport injuries not covered
  • Cosmetic treatment is not covered
  • Sub-limits not applicable

Manipal Cigna Prime Advantage (Other Benefits)

  • Individual, multi-individual & family plan
  • Trusted insurance provider
  • Unlimited benefits up to SI
  • Cashless claim settlement
  • AYUSH treatment cover

Manipal Cigna Prime Advantage (Eligibility Criteria)

  • Child Entry age - 91 days - 25 Years
  • Adult Entry Age- 18 Years- No Limit
  • SI - INR 5 Lakhs - 1 Crore
  • Waiting Period - 30 days

Comprehensive Plan

A comprehensive health insurance plan with SI up to INR 1 Crore and 3 plan variants and features like a wellness program, unlimited tele consultations, and more.

Unique Features

  • 3 Plan Variants
  • Up to 200% Cumulative Bonus
  • Critical Illness Cover

ManipalCigna ProHealth Prime (Pros)

  • Annual Health Check-up
  • Domestic Second Opinion
  • Switch Off Benefit
  • Premium Waiver Benefit
  • OPD Expense Covered

ManipalCigna ProHealth Prime (Cons)

  • Optional Deductibles
  • 10% Co-Payment
  • PED 2-year waiting period
  • Long Waiting Period
  • Long Mental Illness Cover

ManipalCigna ProHealth Prime (Other Benefits)

  • Domiciliary Hospitalization
  • Air Ambulance Cover
  • Cumulative Bonus Booster
  • CI Add on Cover
  • SI Restoration

ProHealth Prime (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Comprehensive Plan

A health insurance plan designed for parents and senior citizens to protect them in their golden years of life. The plan offers a high SI of up to 50 Lakh INR.

Unique Features

  • Individual and Family Floater
  • 2 Plan Variants
  • Up to 50 Lakh INR

Manipal Cigna Prime Senior (Pros)

  • Low Waiting Periods
  • Flexible Room Category
  • Avail Cumulative Bonus
  • Flexible Health Check-up
  • Tele-Consultations

Manipal Cigna Prime Senior (Cons)

  • Injuries Due to Breach of Law
  • Adventure Sports
  • Obesity
  • Cosmetic Surgery
  • Injuries Due to Illegal Activities

Manipal Cigna Prime Senior (Other Benefits)

  • Modern Treatment Cover
  • 10 % Cumulative Bonus
  • Cashless Health Check-Up
  • Mental Illness Cover
  • Domiciliary Hospitalization Cover

Manipal Cigna Prime Senior (Eligibility Criteria)

  • Entry Age - 56 Years
  • Max Entry Age - 75 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

Comprehensive Plan

A comprehensive Plan with 5 different variants suitable for individuals and young couples, offering a sum insured up to 1 Crore.

Unique Features

  • Avail Family Discount
  • Worldwide Emergency Protection
  • Avail Healthy Lifestyle Benefits

Manipal Cigna Pro Health (Pros)

  • 5 Plan Variants
  • SI Up to 1 Crore
  • Hospital Cash Benefits
  • Up to 200% Cumulative Bonus
  • Avail Health Check-Up

Manipal Cigna Pro Health (Cons)

  • Optional Co-Pay
  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities

Manipal Cigna Pro Health (Other Benefits)

  • 8500+ Cashless Hospitals
  • Tax Benefits
  • Inflation Protection
  • Medical Check Up Cover
  • Health Reward Points

Manipal Cigna Pro Health (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No limit
  • SI - 2.5 L to 1 Cr
  • Waiting Period - 30 Days

Affordable Plan

An affordable health plan that offers added coverage to the policyholders as per their requirements with 2 plan variants.

Unique Features

  • Affordable Health Plan
  • Up to 30 Lakhs SI
  • Beat Medical Care Inflation

ManipalCigna Super Top-up Plan (Pros)

  • Add On CI benefit
  • Up to 50% Cumulative Bonus
  • Donor Expenses Cover
  • Day Care Treatment Cover
  • Ambulance Cover

ManipalCigna Super Top-up Plan (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

ManipalCigna Super Top-up Plan (Other Benefits)

  • Optional Covers Available
  • Add-on Covers Available
  • Non-medical expenses Cover
  • Opt for Any Room Category
  • Tax Benefits

ManipalCigna Super Top-up Plan (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No limit
  • SI - 3 L to 30 Lakhs
  • Waiting Period - 30 Days

Affordable Plan

ManipalCigna Pro Health Select

Customers can design their own health insurance plan and pay for features that they opt for in the plan. The plan is customizable as per your needs and requirements.

Unique Features

  • 2 Plan Variants Available
  • Avail Customized Features
  • Long Term Policy

Pro Health Select (Pros)

  • Reassurance Benefits
  • High SI Up to 25 Lakhs
  • Tax Benefits
  • 171 Day Care Procedures
  • Ambulance Cover

Pro Health Select (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Pro Health Select (Other Benefits)

  • Premium Waiver Option
  • Long Term Policy
  • Restoration Benefit
  • Health Reward Points
  • AYUSH Cover

Pro Health Select (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No limit
  • SI - 3 L to 25 Lakhs
  • Waiting Period - 30 Days

Affordable Plan

Manipal Cigna Secure Health

The policy is designed specifically for people with special abilities, people affected with HIV/AIDS, and those affected by mental illnesses.

Unique Features

  • Affordable Premiums
  • AYUSH Treatments
  • Day Care Procedures

Manipal Cigna Secure Health (Pros)

  • Modern Treatments Covered
  • Road Ambulance Covered
  • Cataract Cover
  • Emergency Ambulance
  • Pre and Post Hospitalization

Manipal Cigna Secure Health (Cons)

  • 48 Months PED Waiting Period
  • Injuries due to unlawful activities
  • Obesity
  • Injuries due to illegal activities
  • Dental Treatment

Manipal Cigna Secure Health (Other Benefits)

  • Tax Benefits
  • Flexible-Premium Payments
  • Multiple Discounts
  • Portable Policy
  • Renewable Policy

Manipal Cigna Secure Health (Eligibility Criteria)

  • Entry Age - Newborn
  • Max Entry Age - 65 Years
  • SI - 4 & 5 Lakhs
  • Waiting Period - 30 Days

Affordable Plan

ManipalCigna ProHealth Cash

A daily cash plan that offers financial aid for hospitalization expenses offering coverage for up to 180 days per policy year.

Unique Features

  • 2 Plan Variants Available
  • Sickness Hospital Cash Benefit
  • ICU Cash Benefit

ManipalCigna ProHealth Cash (Pros)

  • Daily Cash Benefits
  • Accidental Death Cover
  • Permanent Total Disability Cover
  • Individual and Family Floater
  • 1/2/3 Policy Years

ManipalCigna ProHealth Cash (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

ManipalCigna ProHealth Cash (Other Benefits)

  • Up to 10% long-term discount
  • 10% Family Discount
  • Critical Illness Add-On
  • Online Wellness Program
  • 15 Day free-Look Period

ManipalCigna ProHealth Cash (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 500 to 5000 Per day
  • Waiting Period - 30 Days

Affordable Plan

ManipalCigna Arogya Sanjeevani Policy

An affordable standard health insurance plan for individuals and family members with up to 10 L SI.

Unique Features

  • Affordable Health Coverage
  • Avail modern treatments
  • Avail AYUSH Treatment

Arogya Sanjeevani Policy (Pros)

  • Allopathic & AYUSH Cover
  • Cashless Hospitalization
  • Tax Benefits
  • Multiple Discounts
  • Up to 50% Cumulative Bonus

Arogya Sanjeevani Policy (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Arogya Sanjeevani Policy (Other Benefits)

  • Pre & Post Hospitalization
  • Road Ambulance Cover
  • 15-Day Free-Look Period
  • Up to 10 L SI
  • 30-Day Grace Period

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 50k to 10 Lakhs
  • Waiting Period - 30 Days

Accident Plan

ManipalCigna Lifestyle Protection Accident Care

A plan that provides complete protection on and off the job against death, disability, and loss of job through 3 different plan variants.

Unique Features

  • SI up to 10 Crores
  • Tax Benefits
  • Pre & Post Hospitalization Cover

Lifestyle Protection Accident Care (Pros)

  • Funeral Expenses Covered
  • Accidental Death Covered
  • Emergency Ambulance Covered
  • 3 Plan Variants
  • Orphan Benefit Covered

Lifestyle Protection Accident Care (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Lifestyle Protection Accident Care (Other Benefits)

  • Education Fund Cover
  • Burn Benefit Cover
  • Permanent Disablement Cover
  • Partial Disablement Cover
  • Loss of Employment Cover

(Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 80 Years
  • SI - 50k to 10 Crores
  • Waiting Period - 30 Days

Critical Illness Plan

A protection plan that offers support to you and your family against 30 critical illnesses with a high sum insured to opt from.

Unique Features

  • Up to 30 CI Covered
  • Avail Online Wellness Program
  • 2 Plan Variants Available

Lifestyle Protection Critical Care (Pros)

  • High Sum Insured
  • Medical Second Opinion
  • Premium Installments Available
  • Avail Multiple Discounts
  • Tax Benefits

Lifestyle Protection Critical Care (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Lifestyle Protection Critical Care (Other Benefits)

  • Lump Sum Or Staggered Payouts
  • Global Plan
  • Cancer Cover
  • Bone Marrow Transplant
  • Deafness Cover

(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 Crore
  • Waiting Period - 30 Days

Accident Plan

ManipalCigna Saral Suraksha Bima

Personal Accident policy to safeguard you from unexpected expenses arising from death or serious injuries.

Unique Features

  • Avail Accident Death Cover
  • Avail Security for dependant child
  • Permanent Total Disability Cover

Saral Suraksha Bima (Pros)

  • Up to 50% Cumulative Bonus
  • Add-On Cover
  • Individual & Family Cover
  • Flexible-Premium Payment
  • Up to 1 Crore SI

Saral Suraksha Bima (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

Saral Suraksha Bima (Other Benefits)

  • Hospitalization Expense Cover
  • Education Grant
  • 3% Online Renewal Discount
  • 15% Family Discount
  • 10% Worksite Discount

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 70 Years
  • SI - 2.5 L to 1 Crore
  • Waiting Period - 30 Days

Group Plan

A flexible, comprehensive, and easy group health insurance that covers illness and injury. The plan provides a sum insured up to 1 Crore with optional covers.

Unique Features

  • Customizable Plan
  • 42 Optional Covers
  • Personal Accident Cover

Pro Health Group (Pros)

  • Avail hospitalization cover
  • Inpatient Hospitalization
  • Day Care Cover
  • Pre & Post Hospitalization
  • Road Ambulance

Pro Health Group (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

Pro Health Group (Other Benefits)

  • Donor Expenses Cover
  • AYUSH Treatment Cover
  • Daily Cash Benefits
  • Critical Illness Cover
  • Personal Accident Cover

Pro Health Group (Eligibility Criteria)

  • Entry Age - No Limit
  • Max Entry Age - No Limit
  • SI - 5k to 1 Crore
  • Waiting Period - 30 Days

Group Plan

ManipalCigna Lifestyle Protection Group Policy

An all-in-one plan offering sum insured up to 50 Crores and umbrella cover of Group-Personal accident and/or critical illness.

Unique Features

  • Flexible Base and Optional Covers
  • 36 CI Covered
  • Cancer-only coverage available

Lifestyle Protection Group Policy (Pros)

  • Accidental Death Benefit
  • Permanent Total Disability Benefit
  • Multiple Optional Benefits
  • Partial Disability Benefit
  • Temporary Total Disability Benefit

Lifestyle Protection Group Policy (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

Lifestyle Protection Group Policy (Other Benefits)

  • Survival Period Waiver
  • Emergency Road Ambulance
  • Hospital Cash Benefit
  • Family Counselling
  • Medical Second Opinion

(Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 75 Years
  • SI - Up to 50 Crores
  • Waiting Period - 30 Days

Group Plan

ManipalCigna FlexiCare Group Insurance Policy

A plan offering sum assured up to 5 Crore and a range of covers including accident, mediclaim, surgery, domestic travel, and wellness.

Unique Features

  • Wellness Program
  • Customizable Cover
  • Home Care Benefit

FlexiCare Group Policy (Pros)

  • EMI Protection
  • Pay-out Options Available
  • Domestic Travel Cover
  • Premium Waiver
  • Cost Effective Plan

FlexiCare Group Policy (Cons)

  • Injuries due to Unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

FlexiCare Group Policy (Other Benefits)

  • Surgery Cover
  • Day Care Cover
  • OPD Cover
  • Home Care Cover
  • Income Protection

(Eligibility Criteria)

  • Entry Age - No limit
  • Max Entry Age - No limit
  • SI - Up to 5 Crores
  • Waiting Period - 30 Days

Group Plan

ManipalCigna Group Overseas Travel

Group overseas travel insurance offers all-around coverage for business trips, vacations, and more. The plan offers a sum insured value of up to $ 50 Lac.

Unique Features

  • Customizable Plan
  • Travel Expense Cover
  • Avail adventure sports cover

Group Overseas Travel (Pros)

  • Loss of Baggage Cover
  • Hijack Cover
  • OPD Cover
  • Easy Plan Management
  • 24/7 Toll-Free Assistance

Group Overseas Travel (Cons)

  • Injuries due to Unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

Group Overseas Travel (Other Benefits)

  • Medical Expenses Cover
  • Travel Inconvenience Cover
  • Travel Personal Accident Cover
  • 51 Optional Covers
  • Cruise Cover

Group Overseas Travel (Eligibility Criteria)

  • Entry Age - 0 Days
  • Max Entry Age - 95 Years
  • SI - Up to $ 50 Lac
  • Waiting Period - 30 Days

Group Plan

ManipalCigna Global Health Group Policy

A comprehensive group plan that covers Indian nationals and expatriates working abroad under one umbrella with a sum insured of up to $ 10 Million.

Unique Features

  • Avail Global Health Care
  • Wellness Program
  • Multiple Optional Covers

Global Health Group Policy (Pros)

  • Outpatient Benefits
  • In-patient Hospitalization
  • Day Care Cover
  • Maternity Cover
  • New Born Cover

Global Health Group Policy (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Illness due to radiation exposure

Global Health Group Policy (Other Benefits)

  • Dental Cover
  • Vision Cover
  • Travel Vaccination Cover
  • Cancer Cover
  • Psychological Care

Global Health Group Policy (Eligibility Criteria)

  • Entry Age - Day 1
  • Max Entry Age - 95 Years
  • SI - $ 10 Million
  • Waiting Period - 30 Days

Manipalcigna Health Insurance Network Hospital List

ManipalCigna Health Insurance Network Hospitals are present in 30 states nationwide. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

ManipalCigna Lifetime Health Plan: FAQ's

1. What are the sum insured options offered under the ManipalCigna LifeTime Health plan?

ManipalCigna LifeTime Health plan is available in two variants: Domestic Plan and Global Plan, with sum options of INR 50 lakh, INR 75 lakh, INR 1 crore, INR 1.5 crore, INR 2 crore, and INR 3 crore.

2. What are the waiting periods under ManipalCigna LifeTime Health Insurance policy?

The following are the waiting periods under the policy:

  • Initial waiting period: 30days
  • Waiting period for pre-existing diseases: 24 months
  • Waiting period for specific illnesses: 24 months

3. What is the eligibility criteria to buy a ManipalCigna LifeTime health plan?

Minimum age at entry: 91 days for Children and 18 years for Adults.

Maximum age at entry: 25 years for children under a floater and 65 for Adults

4. Is there an Exit Age under ManipalCigna LifeTime health plan?

ManipalCigna LifeTime Health plan can be renewed lifetime and there is no exit age in this policy.

ManipalCigna Health Insurance Review

Read what customers have to say about ManipalCigna Health Insurance Insurance.

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Pragh Aggrawal

Bhopal

April 8, 2024

I read about several health insurance policies offered by ManipalCigna which I feel is more convenient to explore on the page of PolicyX as you can check the plans thoroughly.

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Siddhant Tomar

Pune

April 8, 2024

ManipalCigna has the best maternity health insurance and I can proudly say my wife’s pregnancy and delivery was seamless. All thanks to the team of PolicyX who helped me in the claim sett...

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Pakhi Rajawat

Pune

April 8, 2024

Buying ManipalCigna ProHealth insurance with the guidance of PolicyX experts was the best decision ever.

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Abraam Malik

Bhubaneshwar

April 8, 2024

ManipalCigna ProHealth Prime Advantage has been one of the best health insurance as it provides full coverage for the basic health conditions of my family. Thanks to the PolicyX sales team who ...

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Naseehat Aman

Vijayawada

April 8, 2024

PolicyX.com has played a vital role in getting a claim for my ManipalCigna ProHealth through their easy and convenient guidance. Thank you, team.

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Sumukhi

Madurai

April 8, 2024

Manipalcigna pro health prime has really been a rock for me when I required hospitalization for 1 week. PolicyX helped me with the claim settlement.

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Nihal

Vadodara

March 18, 2024

I was looking for a plan that supports me in case of international travels, this is when PolicyX insurance experts suggested me ManipalCigna Pro Health and I am satisfied

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Ashish

Vishakapatnam

March 18, 2024

I have been a policyholder of the ManipalCigna Pro Health for years now, I am glad PolicyX helped me in finding the health plan

View All ManipalCigna Health Insurance Reviews